CasviaGross pay, statutory deductions and take-home are kept separate.
Take-home pay equals gross salary less Income Tax and employee National Insurance. Monthly and weekly figures are derived from the annual estimate.
Read Casvia methodology →Tax & Income / Research Tool
UK Salary Calculator
Estimate your 2026/27 take-home pay after Income Tax and employee National Insurance, with annual, monthly and weekly views.
Tax year2026/27
CoverageEngland, Wales & NI
Tool
£—
Income assumptions
£
Your salary before tax, National Insurance and other deductions.
No sign-up · No tracking · Runs in your browser
Base case / take-home pay 2026/27Effective rate —
£—
Research view
Income Tax£—
National Insurance (employee)£—
Total deductions£—
Take-home pay£—
Per month £— · Per week £—
Uses England, Wales & NI rates. Scotland sets its own Income Tax bands. No pension, student loan or other deductions are modelled.
Important: This is an educational estimate of statutory deductions. Actual payslips can differ because of tax codes, pension contributions, student loans, benefits and payroll timing.
Current UK rules, clearly dated.
Casvia uses GOV.UK and HMRC material for tax-sensitive tools and states the tax year directly in the interface.
- GOV.UK — Income Tax rates and allowances
- GOV.UK — National Insurance rates and allowances
How it works
Enter your annual gross salary and the calculator estimates your take-home pay for 2026/27. It deducts Income Tax and employee National Insurance, then shows your take-home pay for the year, month and week, plus your effective rate of deductions.
Example calculation
For a gross salary of £50,000 in 2026/27 (England, Wales or Northern Ireland):
- Income Tax: £7,486
- National Insurance: £2,994.40
- Total deductions: ≈ £10,480.40
- Take-home pay: ≈ £39,520 a year, about £3,293 a month and £760 a week
Example ignores pension contributions, student loans, benefits and the Marriage Allowance.
Methodology & formula
Take-home pay = gross salary − Income Tax − employee National Insurance.
- Income Tax: Personal Allowance £12,570; 20%, 40% and 45% bands for England, Wales and Northern Ireland.
- National Insurance: 8% between £12,570 and £50,270, then 2% above £50,270.
- Monthly = annual ÷ 12; weekly = annual ÷ 52.
Frequently asked questions
What is the average take-home pay for a UK salary?
It depends on your salary and where you live. As a guide, a £50,000 salary in England gives roughly £39,520 take-home in 2026/27 before pension and student-loan deductions. Try your own figure in the calculator.
Do I pay National Insurance on my whole salary?
No. Employee National Insurance starts once earnings pass the Primary Threshold (£12,570/year in 2026/27) and the rate drops from 8% to 2% above the Upper Earnings Limit (£50,270/year).
Why doesn't my actual payslip match this?
Your employer may deduct pension contributions, student loan repayments, or benefits-in-kind, and your tax code may differ from the standard one. This calculator shows the standard statutory deductions only.
Does the calculator include pension contributions?
No. Workplace pension auto-enrolment is separate and can reduce your take-home pay.
How is monthly pay calculated?
Annual take-home pay divided by 12. Actual months vary slightly because PAYE is applied per pay period.
What about student loans?
Student loan repayments are separate and depend on your plan and repayment threshold. This calculator does not include them.
Related calculators
UK Income Tax Calculator · National Insurance · Student Loan Calculator
Sources
Casvia provides educational calculators and general information. It does not provide personal financial, tax or investment advice.